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Vehicle Eligibility & Underwriting Guidelines<br />
Vehicle Eligibility<br />
All eligible vehicles must be 15 model years old or newer and have less than 200,000 miles <br />
on the odometer at the time of purchase.<br />
Note: January 1st of each year constitutes the model year change.<br />
* Vehicles used at any time for: commercial use for business enterprise, trade, profession or <br />
occupation; competitive driving; taxi or livery; snow plowing or used for hire to the public or <br />
used to transport people for hire; municipal or professional emergency or police services; to <br />
tow a trailer whose weight exceeds the manufacturer's recommendations rental, limousine, <br />
shuttle, towing/wrecker service; lifting or hoisting; dumping (dump beds); or cherry pickers.<br />
Ineligible Vehicles<br />
* Vehicles altered or modified in a fashion not recommended by the manufacturer, including <br />
installation of high performance equipment, lift or lowering kits, incorrect tires/wheels or <br />
removal of any emission devices.<br />
* Vehicles that are Kit Cars; High Performance; Exotic or Special Purpose; Engines Over 8 <br />
Cylinders; Alternative Fuel (Natural Gas, LP Gas or Propane) or All Electric; or Modified <br />
Diesel.<br />
* Vehicles <strong>with</strong> odometers that are broken and/or the correct mileage cannot be determined <br />
and verified by the program administrator.<br />
One-‐Time Activiation Fee<br />
Program Fees & Surcharges<br />
$140 <br />
Mandatory Business Use Surcharge<br />
$10 <br />
Business Use<br />
Covered Vehicles: Vehicles used for repair work, service work, route work and delivery work <br />
(ex: floral delivery, cable TV repair, plumber, vending machine attendant, catering company, <br />
medical supply delivery, home repairs, realtor, etc.) Vehicles used for farm use or field work <br />
are eligible provided their primary use is for transportation purposes and not used at any <br />
time for excessive hauling and/or off-‐road pasture or field work. Coverage is limited to single <br />
use drivers.<br />
Excluded Vehicles: Vehicles used for commercial towing, dump or refuse collection, hauling, <br />
taxi, livery, shuttle, rental, equipped <strong>with</strong> a snow plow, construction, racing or competitive <br />
driving, or emergency services are not eligible for coverage. Vehicles having multiple drivers <br />
are not eligible for coverage.<br />
Note: Surcharge is required in order to make the vehicle eligible for any coverage. The surcharge provides <br />
basic eligibility only, and does not add any additional coverage.<br />
6/2015